Personal Insurance Client Advisor

Community Financial System, Inc.•Malone, NY

2d•Onsite

About The Position

OneGroup is a rapidly growing independent insurance and risk management organization in the northeast, with over 200 professionals across 18 locations. As a subsidiary of Community Bank, NA, OneGroup offers a unique company culture focused on knowledge development, a big-picture perspective, acknowledgement of contributions, transparency, and a bigger purpose of enhancing client businesses. The Personal Insurance Client Advisor will be an integral part of the Personal Insurance department, working collaboratively to meet client needs and protect their assets.

Requirements

High School Diploma or Equivalent
Property/Casualty License Required
Maintain License through continuing education.
One to Three or more years of Insurance Experience is preferred
Strong expertise and knowledge in policy coverage
Customer Service Experience required
Ability to use menu-driven software in addition to Word and Excel
Ability to work independently as well as in a “team” environment
Good organizational skills with the ability to manage multiple tasks efficiently
All applicants must be 18 years of age or older.

Nice To Haves

College Degree Preferred

Responsibilities

Handle a book of business, building relationships with clients and ensuring efficient and accurate account activities.
Assist clients with policy changes, renewals, and claims processing.
Advise clients on the company's value proposition, emphasizing comprehensive coverage over price.
Conduct coverage and exposure reviews with existing clients, informing them about the importance of adequate coverage.
Reach out to new clients within 30-45 days of their effective date for a personal introduction, to address any outstanding issues, and confirm communication preferences.
Review potential non-renewal issues with management.
Discuss reinstatement eligibility or rewrite options with carriers.
Quote and issue mid-term rewrites as needed.
Review renewal increases over established thresholds, seeking rate relief from the incumbent carrier or tasking the Placement Specialist team if marketing is necessary.
Contact clients who have cancelled or requested cancellation to understand reasons, establish controls to resolicit coverage, and earn back business.
Communicate directly with insurance company underwriters to resolve issues and protect client insurability.
Document all interactions with clients and carriers in the company system.
Obtain and update client's primary contact information, focusing on email address and best contact phone number.
Advise existing clients on preferred premium payment methods.
Confirm appropriate tasks are created and followed up on in the company system for client servicing.
Handle Reg. 34 issues and follow up with the DMV to resolve potential license/registration suspensions.
Keep clients informed throughout the entire process.
Meet established metrics and expectations for the position, including account servicing activity, referral activity, call volume, attendance, and quality control audits.
Handle routine service matters when PL Assistants are not available, such as Carco, insured payments, ID cards, binders, and payments.
Continuously stay informed on important insurance coverage issues.
Stay current with primary insurance companies' underwriting guidelines, premium saving credits, and technology platforms.
Participate in seminars and classes for skills and knowledge development.
Perform other duties as required.
Maintain proficient knowledge of and comply with all applicable laws and regulations, policies, and procedures, and meet all training requirements.